Regulatory Compliance for Financial Institutions

November 22 – 23, 2022

Agenda

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Day 1 - Tuesday, November 23, 2021

8:45	Co-Chairs’ Opening Remarks
9:00	What International Trends Indicate about Shifts in Regulatory Oversight and How Compliance Programs Should Prepare
9:45	FCAC Q&A The Financial Consumer Protection Framework and Complaints Handling Obligations
10:30	Networking and Refreshment Break
11:00	Canada’s Evolving Privacy Regime: How to Prepare for New Provisions and Avoid Costly Data Management Mistakes Along the Way
12:00	Networking Lunch
1:00	Client Focused Reforms in Practice: What Dealers Need to Know to Protect their Customers and Stay in Compliance
2:00	Special Focus on Talent Retention and the Future of Work Industry Roundtable: Strategies for Supporting for Employees and the Business in a Post-COVID Business Landscape
3:00	Networking Break
3:30	FINTRAC TOWNHALL Status Report on PCMLTFR: Identifying Where FRFIs are Missing the Mark and What to Expect in 2022
4:15	CDIC Act and By-laws: Zoning in on Upcoming Requirements and Key Initiatives
5:00	Conference Adjourns

Day 2 - Wednesday, November 24, 2021

8:50	Co-Chairs Opening Remarks
9:00	Culture and Conduct Risk - Part I OSFI: How Financial Institutions Should Approach the Relationship between Culture and Risk to Establish Stronger Compliance
9:30	Culture and Conduct Risk - Part II Measuring Culture: How to Set the Right Metrics and Start Translating them into Actionable Insights for your Compliance Program
10:15	Networking Break
10:45	SPOTLIGHT ON THE INTERSECTION BETWEEN ESG AND REGULATORY COMPLIANCE Examining How Regulatory Compliance and Conduct Can Shape your ESG Strategy and Disclosure
11:45	Payments Compliance and Innovation: Unpacking the New Regulatory Regime for Payments Providers Under the Retail Payments Activities Act
12:45	Networking Lunch
1:45	Fireside Chat on Corporate Governance and Ethics How Corporate Boards Can Achieve Better Alignment with Stakeholders
2:15	Focus on RCM How to Keep your Compliance Team Ahead of the Curve: Strategic Approaches for Classifying Risk and Navigating the Evolving Regulatory Landscape
3:00	Networking Break
3:30	Hot Topic FinTech, Open Banking and the Regulatory Sandbox: How Technology is Driving Real-Time Regulation Globally and the Implications for Financial Institutions
4:30	Virtual Currency: Top Takeaways from the Most Notable Regulatory and Enforcement Trends of 2021
5:15	Conference Adjourns

Day 1 - Tuesday, November 23, 2021

8:45	Co-Chairs’ Opening Remarks Sara Gelgor Chief Compliance Officer Concentra Bank Lisa Cinelli Vice-President, Chief Compliance Officer and Chief AML Officer Equitable Bank Danielle Lin Vice President Canadian Banking & Consumer Legislation Compliance TD Bank Group
9:00	What International Trends Indicate about Shifts in Regulatory Oversight and How Compliance Programs Should Prepare Lucie Tedesco Counsel McCarthy Tétrault LLP (Former Commissioner, FCAC) Tiago Aguiar Deputy Head of Department, Banking Conduct Supervision Department Central Bank of Portugal David Geale Director, Banking & Payments Supervision UK Financial Conduct Authority Colm Kincaid Director, Consumer Protection Central Bank of Ireland
9:45	FCAC Q&A The Financial Consumer Protection Framework and Complaints Handling Obligations Frank Lofranco Deputy Commissioner, Supervision and Enforcement FCAC Moderator: Danielle Lin Vice President Canadian Banking & Consumer Legislation Compliance TD Bank Group Understanding key elements of the complaints handling requirements set out under the Bank Act Gain clarity on FCAC’s Guideline and expectations for the implementation of complaints handling programs Identifying weak points in consumer complaint-handling
10:30	Networking and Refreshment Break
11:00	Canada’s Evolving Privacy Regime: How to Prepare for New Provisions and Avoid Costly Data Management Mistakes Along the Way Wendy Mee Partner Blakes Cassels & Graydon LLP Sandeep Joshi Partner Tyr LLP Status of the Bill C-11 and Quebec’s Bill 64 Examining the proposed provisions, how they compare to GDPR and the operational implications for FRFIs Identifying potential conflicts between privacy expectations and record-keeping requirements Operationalizing consumer data protection best practices Data collection and retention Practical insights on how to mitigate risks immediately following a breach Examining lessons learned from recent privacy breaches Developing a data protection strategy that mitigates the risks posed by remote work
12:00	Networking Lunch
1:00	Client Focused Reforms in Practice: What Dealers Need to Know to Protect their Customers and Stay in Compliance Jacqueline Sanz Managing Director, Canada Lead, Risk and Compliance Solutions Protiviti Susan Silma Head, Risk and Regulatory Business Practices Sun Life Financial Anthony Giglio Vice President, TD Wealth Client Focused Reforms Transformation TD Moderator: Noémie C. Girard Deputy Chief Compliance Officer Kaleido Investment firms and dealers are tasked with aligning their day-to-day operations with a new slate of client focused reforms, scheduled to be fully in effect by December 2021. This exclusive new panel will address: How to enhance protection for vulnerable clients and complying with NI 31-103 obligations effective December 2021 How to satisfy KYC and KYP rules Product suitability determinations Analyzing complex client scenarios: how to meet due diligence expectations under the CFR Examining newly implemented requirements on conflict of interest and referral arrangements Delving into compliance expectations and best practices for protecting consumers who are using self-serve online platforms and services Best practices for avoiding misleading communication with clients How to navigate misalignment between retail and wealth consumer protection frameworks
2:00	Special Focus on Talent Retention and the Future of Work Industry Roundtable: Strategies for Supporting for Employees and the Business in a Post-COVID Business Landscape Douglas Johnson Chief Compliance Officer Haventree Bank Lisa Cinelli Vice-President, Chief Compliance Officer and Chief AML Officer Equitable Bank Ilona Niemi Group Chief Compliance Officer The Co-operators Group Limited Moderator: Sashya D’Souza Senior Vice President Toronto Financial International How employer and employee expectations have evolved and the implications for FI compliance teams now and in the future How to strike a balance between supporting the business and satisfying employee expectations for improved retention How to effectively manage risks when staffing is not adequate Exploring opportunities to support compliance functions with automation and technology Assessing the importance of in office visibility in the context of maintaining compliance Tips on how employers and new hires can foster a positive experience in the digital environment Benchmark with FIs and walk away with practical ways to empower employees in the office and at home
3:00	Networking Break
3:30	FINTRAC TOWNHALL Status Report on PCMLTFR: Identifying Where FRFIs are Missing the Mark and What to Expect in 2022 Nathalie Martineau Regional Director FINTRAC Many of the requirements under the PCMLTFR have come into force making it a critical time to check in with the regulator. This townhall session will provide the opportunity to get your questions answered. Gain clarity on where the regulator is exercising flexibility, learn where policies and procedures are falling short of expectations and best practices to rectify deficiencies and avoid penalties for non-compliance. Identifying EFT and large virtual currency transactions reporting missteps Gain insights on how the implementation of obligations are being assessed and where flexibility and reasonability will be exercised in view of the amended regulations Examining shifts in reporting structures and the implications for REs Analysis of the top AML compliance gaps flagged since June 1, 2021 and steps compliance teams can take to address them How to align operations with FINTRAC’s 2022 priorities and initiatives
4:15	CDIC Act and By-laws: Zoning in on Upcoming Requirements and Key Initiatives Emiel van der Velden Head, Depositor Solutions, Insurance & Compliance CDIC Assessing the how the first phase of measures is impacting the customer experience and understanding of CDIC coverage Guidance on CDIC Act Amendments and By-Laws coming into effect on Apr. 2022 Exploring recent research on contingency plan testing
5:00	Conference Adjourns

Day 2 - Wednesday, November 24, 2021

8:50	Co-Chairs Opening Remarks Sara Gelgor Chief Compliance Officer Concentra Bank Lisa Cinelli Vice-President, Chief Compliance Officer and Chief AML Officer Equitable Bank Danielle Lin Vice President Canadian Banking & Consumer Legislation Compliance TD Bank Group
9:00	Culture and Conduct Risk - Part I OSFI: How Financial Institutions Should Approach the Relationship between Culture and Risk to Establish Stronger Compliance Anie Stuart Managing Director Culture and Conduct Risk Division OSFI Gain clarity on regulatory expectations for measuring culture as an indicator of compliance Determining the differences between risk culture and compliance culture and how they apply operationally Top takeaways from the industry scan on how culture is being defined and documented Forecasting where culture will fit in terms of supervisory oversight and how organizations can begin to prepare
9:30	Culture and Conduct Risk - Part II Measuring Culture: How to Set the Right Metrics and Start Translating them into Actionable Insights for your Compliance Program Laura Houlihan Associate Director, Risk & Compliance Protiviti Amy Aubin Chief Compliance Officer Waypoint Investment Partners Inc. Exploring how to set effective KPIs for culture and risk within the context of your organization Practical insights on how to assess and leverage data on culture to strengthen compliance Best practices for monitoring metrics and spotting culture and conduct risk red flags
10:15	Networking Break
10:45	SPOTLIGHT ON THE INTERSECTION BETWEEN ESG AND REGULATORY COMPLIANCE Examining How Regulatory Compliance and Conduct Can Shape your ESG Strategy and Disclosure Sara Gelgor Chief Compliance Officer Concentra Bank Sarah Keyes CEO ESG Global Advisors Angela Shaffer Counsel Dentons LLP Identifying key risks posed by climate change to financial institutions Examining current and developing regulatory oversight OSFI’s position on climate change related risks and what a new regulatory framework could include Anticipating current and forthcoming requirements including mandatory disclosures to investors and reporting obligations Assessing what ESG means operationally across the three lines of defence Exploring how FRFIs are approaching ESG, and adjusting policies and procedures to mitigate risks
11:45	Payments Compliance and Innovation: Unpacking the New Regulatory Regime for Payments Providers Under the Retail Payments Activities Act Tracy Molino Counsel Dentons LLP Rodney Shields Chief Compliance Officer OTT Pay Ryan Yates President and CEO Apaylo Finance Technology Ron Morrow Executive Director – Retail Payments Supervision Bank of Canada Edgar Barbosa Partner Payments Consulting, PwC Moderator: Lydia Sas Head of Compliance Apt Pay Interpreting RPAA’s scope of application and how to operationalize provisions set out for end users and PSPs Risk management and incident response best practices Examining the role of the Bank of Canada Anticipating how the enforcement regime will take shape Best practices for avoiding penalties Practical insights on reporting and pitfalls to avoid Assessing how RPAA will impact competition and innovation in the payments landscape
12:45	Networking Lunch
1:45	Fireside Chat on Corporate Governance and Ethics How Corporate Boards Can Achieve Better Alignment with Stakeholders Tomell deSilva Ceasar Group Head, Ethics & Governance Careem Moderator: Sara Gelgor Chief Compliance Officer Concentra Bank
2:15	Focus on RCM How to Keep your Compliance Team Ahead of the Curve: Strategic Approaches for Classifying Risk and Navigating the Evolving Regulatory Landscape David Parkatti V.P. & Chief Compliance Risk Officer, Legal, Compliance and Investigations Group Canadian Western Bank Keeping up with the evolving regulatory landscape is a complex and onerous task. There are a growing number of compliance frameworks that must be applied to mitigate risks and build operational resilience. This session will provide practical industry insights on how to effectively classify risks, manage regulatory obligations and smooth out operations.
3:00	Networking Break
3:30	Hot Topic FinTech, Open Banking and the Regulatory Sandbox: How Technology is Driving Real-Time Regulation Globally and the Implications for Financial Institutions Stephen Cheeseman VP, Legal and Compliance Canada Protection Plan Don Johnston Partner Aird Berlis LLP Kathleen Butterfield Partner Fasken LLP Paula Pereira Partner, Financial Services PwC Mark Hines Ecosystem Development Plaid This session will provide an in-depth examination of the obstacles and opportunities tied to the development of open banking in Canada and the economic factors that working for and against the initiative’s realization. Explore how financial institutions and the financial regulatory system will need to evolve to support this transformation from both a technological and compliance lens. Examining the status of open banking and next steps What are regulators doing to foster innovation, including how FSRA, BC FSA and newer regulatory agencies Navigating the tension and overlap between innovation and consumer interests
4:30	Virtual Currency: Top Takeaways from the Most Notable Regulatory and Enforcement Trends of 2021 Lori Stein Partner Osler, Hoskin & Harcourt LLP Usman Sheikh Partner Gowling WLG (Canada) LLP Top compliance takeaways from recent enforcement actions in Canada and abroad Identifying where digital asset providers fit into Canada’s regulatory landscape In-depth examination of what laws currently apply in Canada Best practices for addressing key risks to clients
5:15	Conference Adjourns

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